Our Loan Programs
🏘️ Rental Loans (DSCR)
Our DSCR rental loan is designed for income-generating properties such as single-family homes, multi-family units, and vacation rentals. DSCR stands for Debt Service Coverage Ratio, which we use as the primary metric to underwrite your loan—based on the property’s income, not your personal finances. This loan is ideal for investors looking to expand or refinance their rental portfolios with flexible, asset-based terms.
🔧 Fix and Flip Loans
Our Fix and Flip loan is a short-term financing solution built for speed and simplicity. It helps real estate investors quickly purchase, renovate, and resell properties for profit. With fast closings, minimal documentation, and flexible terms, it’s the perfect loan for time-sensitive flips.
🏗️ New Construction Loans
Our New Construction loan provides short-term funding for ground-up building projects. Whether you’re constructing a single-family home or a small commercial property, this loan covers land acquisition, materials, and labor costs. It’s the go-to choice for developers who need capital to bring their vision to life—fast.
Rental Portfolio Loan
Our rental portfolio loan is a type of real estate financing designed for investors who own multiple rental properties. Instead of taking out separate loans for each property, a rental portfolio loan allows the investor to finance several properties under one loan, simplifying payments and management. These loans are typically based on the income generated by the properties rather than the borrower’s personal income or credit score, making them ideal for full-time real estate investors. They often come with flexible terms and can be used for refinancing or purchasing rental properties.
Learn MoreWhy Choose a Rental Portfolio Loan?
- Simplified Financing: Instead of juggling separate loans and lenders for each property, you manage just one loan, one payment, and one point of contact.
- Increased Leverage: By bundling properties, investors may be able to borrow more capital overall than they could with individual loans, allowing them to scale faster.
- Easier Cash Flow Management: With the potential for interest-only payments or long-term amortization, investors can improve monthly cash flow and reinvest profits.
- Less Focus on Personal Income: These loans are typically based on property performance and rental income, not your W-2 income or tax returns—ideal for full-time investors.
- Long-Term Financing Options: Many portfolio loans come with 30-year fixed or adjustable terms, offering stability and predictability.
- Refinance Multiple Properties at Once: Consolidating several loans can lower interest costs, reduce paperwork, and potentially unlock equity across your portfolio.
Ready to streamline your rental investments and scale your portfolio with ease? Contact us today to learn how a rental portfolio loan can work for you!